Anton Real Estate Guide 10-21-15

REAL ESTATE AN ANTON MEDIA GROUP SPECIAL • FALL 2015

G U I D E

Preparation Is Key When Buying A Home Plan and be informed

RoslynLanding.com

Inside

Get all (most) of your security deposit back Showcase your home through changing seasons

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

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• Paint walls back to their original color and use blue painter’s tape to avoid splashing color on your trim and baseboards.

When get-togethers leave a lasting impression on surfaces

BY CHRISTIE COURVILLE

SPECIALSECTIONS@ANTONMEDIAGROUP.COM

Moving out of an apartment or rental home is hard work and often unveils inevitable wearand-tear from living in the space. What can be even more challenging is restoring the space to its original condition in order to get your security deposit back.

Before paying professional handymen and cleaning services for repairs, there are several areas you can address on your own to help your deposit make its way back into your wallet.

“Do-it-yourself projects and repairs don’t have to be overwhelming or require paid professionals,” says Brittany Bailey, do-it-yourself and home improvement expert and blogger behind www. prettyhandygirl.com. “All it takes is the right tools and a boost of confidence to DIY your rental to tip-top condition.”

Bailey recommends these easy tips for

repairing minor damages resulting from moments any renter can relate to:

When odors linger in kitchens and bathrooms • Allow fresh air to circulate through the space by opening windows for as long as possible and using exhaust fans while cleaning.

• Clean garbage disposal blades and freshen the drain by placing a few pieces of lemon peels in the garbage disposal and running water as you turn it on.

When customizing and decorating the space doesn’t go as planned • Patch small holes and cracks with 3M Patch Plus Primer 4-in-1 Applicator. It combines primer, spackle, a putty knife and a sanding pad into one simple tool for DIY-ers of any skill level.

When laminate cabinets and countertops can use a facelift • Fill mild scratches and hide blemishes by using color-matched repair pens.

• Get rid of tough stains by pouring nail polish remover on a clean white rag and gently scrubbing surfaces. (Be sure to test a small area before taking on the entire surface.)

When you’re ready to close the door and make new memories in your next home: • Leave on good terms with the landlord by taking out trash and cleaning as much as possible once all your belongings are packed away.

• Stick around for the move-out inspection and confirm with the landlord when you can expect to receive your security deposit.

Visit www.3mdiy.com for more DIY home repair tips.

—Christie Courville writes for Family Features

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Tips To Get Your Rental Security Deposit Back

• Tackle scuff marks and wall stains without sprays or cleaners by using an easy erasing pad and water to gently buff away dirt and residue from the walls.

• Lift carpet stains by creating a homemade cleaner using dishwashing liquid, white vinegar, water and baking soda.

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

Showcase Your Home Through The Change Of Seasons

Add decorative plates that highlight the season.

BY ANN HANCE

SPECIALSECTIONS@ANTONMEDIAGROUP.COM

As the temperature drops, the leaves change, and we anticipate the holiday season, many of us turn our attention inward: spending time hosting family and friends for Sunday night football games and Thanksgiving dinners. How can our homes reflect the new, Ann Hance crisp season without spending a fortune? Here are some simple ways to transform your space and enjoy the time spent at home.

in. During the winter months, you may find it beneficial to increase to 75 or 100 watt bulbs in your main living spaces.

can change the matting around a picture frame to convey the current season and bring color to a room.

At the table An inexpensive way to freshen the look of your dining room is to add decorative plates that highlight the season. An accent color of orange, deep red or wine can coordinate with many neutral shades and give your entertaining spaces a current look.

Outdoor oasis Just because the summer garden may be ending doesn’t mean your landscaping can’t reflect the spirit of the season. Paint a few pumpkins in your favorite color scheme. They can add a frivolous dimension to your gardens. If you have a porch or patio, add new seat pillows and fleece throw blankets for outdoor gatherings to extend the season.

Cozy touches Changing a pillowcase on a throw pillow can add a burst of color and seasonality to your family room. Without replacing art work, one

A restful sanctuary Our bedrooms should be minimalistic. Keep

First impressions matter Your front entry can make a memorable impression to visitors. Start with the door.

Perhaps it could benefit from a fresh, new paint color (aubergine, kiwi green and burnt orange are popular). A new welcome mat and ornamental plantings can be transforming. A wreath of simple greenery can be modified as autumn turns to winter, by changing out pumpkins and apples and replacing them with pinecones and small berries.

Let there be light As days grow shorter and rooms can feel dark, take a look at your window treatments. Are they blocking out the natural light? Sometimes removing heavy drapery can make a room appear larger. Open the blinds and let the light

Change your landscape to reflect the spirit of the season.

Fall is a great time to give away winter coats, hats, gloves to those less fortunate.

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

Changing a throw pillow can add a burst of seasonality to your room. your bedside table free of clutter—a favorite photo or fresh flower with seasonal herbs will brighten your mood when you wake. If guests are coming for the holidays, now is a great time to update bedding and add some festivity to their space.

Big black bag My favorite accessory for the change of seasons is the big black garbage bag. Invite a friend to help you go through your closets and say goodbye to anything you haven’t used or worn. Fall is a great time to give away winter coats, hats, gloves to those less fortunate. Fall cleaning is great therapy and your closets will thank you, as will the local

Paint a few pumpkins in your favorite color scheme.

Our bedrooms should be minimalistic. charities.

On another note, Daniel Gale Sotheby’s offices across Long Island are conducting a coat drive throughout the month of October to benefit neighbors in need. Coats can be dropped off at any Daniel Gale Sotheby’s office during business hours or you can call 516-660-1680 to arrange for a pick up.

Enjoy this beautiful season.

Ann Hance is a Gold Circle of Excellence real estate salesperson with Daniel Gale Sotheby’s International Realty’s Manhasset office.

Your front entry can make a memorable impression to visitors.

Removing heavy drapery can make a room appear larger.

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

MANHATTAN

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B R O O K LY N

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QUEENS

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LONG ISLAND

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THE HAMPTONS

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THE NORTH FORK

6 ACRE WATERFRONT ESTATE

Old Field | $9,900,000 Stunning Villa overlooking Long Island Sound. Offering bedroom suites with private dens and baths, 5 fireplaces, gym, outdoor living room, theatre, billiards and wine rooms. Web# 2767632. Alexia Poulos, O: 631.751.6000, C: 631.457.3262

COUNTRY ESTATE WITH HISTORY

Lattingtown | $3,888,888 Five-bedroom country estate with separate 3-bedroom guest house, caretaker’s cottage and 6-car garage!

Secluded private entrance! Owner financing! Fabulous weekend getaway. Web# 2767281. Michele Gottlieb, O: 516.297.4623

NEW CONSTRUCTION

Plandome Manor | $4,250,000 Classic Colonial wrap around porch, grand foyer and formal rooms, 3 fireplaces, first floor en-suite, 5 bedrooms, 5.5 baths, 1/2 acre. Web# 2771796.

Connie Liappas, O: 516.319.3274

PRIVATE AND SECLUDED

Brookville | $2,999,600 12,000 sf home. Landscaped 2-plus flat acres, completely gated, surveillance system, open floor plan for entertaining and fine living. Professional recording studio/ screening room. Web# 2774546. Patricia Santella, C: 516.624.9000, O: 516.659.8497

ELEGANT NEW CONSTRUCTION

Sands Point | $3,918,000 Stunning design 7 bedrooms, 6.5 baths. All exceptionally trimmed, 4-car garage, 1 acre lush landscaping.

Web# 2771795. Connie Liappas, O: 516.319.3274

NORTHPORT WATERFRONT OASIS

Northport | $2,575,000 Hampton-style 5-bedroom, 4.55-bath Colonial.

Magnificent 3.1 acres front Duck Harbor with in-ground pool and lighted tennis court. Perfect for water sports enthusiasts. Web# 2799686. Lynda Olita, O: 631.549.4400, C: 662.2478

110 WALT WHITMAN ROAD, HUNTINGTON STATION, NY 11746. 631.549.7401 | © 2015 DOUGLAS ELLIMAN REAL ESTATE. ALL MATERIAL PRESENTED HEREIN IS INTENDED FOR INFORMATION PURPOSES ONLY. WHILE, THIS INFORMATION IS BELIEVED TO BE CORRECT, IT IS REPRESENTED SUBJECT TO ERRORS, OMISSIONS, CHANGES OR WITHDRAWAL WITHOUT NOTICE. ALL PROPERTY INFORMATION, INCLUDING, BUT NOT LIMITED TO SQUARE FOOTAGE, ROOM COUNT, NUMBER OF BEDROOMS AND THE SCHOOL DISTRICT IN PROPERTY LISTINGS ARE DEEMED RELIABLE, BUT SHOULD BE VERIFIED BY YOUR OWN ATTORNEY, ARCHITECT OR ZONING EXPERT. PHOTOS SHOWN MAY HAVE BEEN MANIPULATED. EQUAL HOUSING OPPORTUNITY.

Sands Point | $8,950,000 Elegance and quality define this 8,000 sf (1st & 2nd floors) residence offering water views from virtually every room. Extraordinary principal rooms with soaring ceilings, wide planked wood floors and unparalleled mill work. Expansive walk out lower level with wine cellar, home theatre, golf simulator, billiard room and more. Separate cabana, pool with spa. 4-car garage, 2015 technology. Path to beach. Web# 2784424. Jill Berman, O: 516.944.2852, C: 516.375.9101

110 WALT WHITMAN ROAD, HUNTINGTON STATION, NY 11746. 631.549.7401 | © 2015 DOUGLAS ELLIMAN REAL ESTATE. ALL MATERIAL PRESENTED HEREIN IS INTENDED FOR INFORMATION PURPOSES ONLY. WHILE, THIS INFORMATION IS BELIEVED TO BE CORRECT, IT IS REPRESENTED SUBJECT TO ERRORS, OMISSIONS, CHANGES OR WITHDRAWAL WITHOUT NOTICE. ALL PROPERTY INFORMATION, INCLUDING, BUT NOT LIMITED TO SQUARE FOOTAGE, ROOM COUNT, NUMBER OF BEDROOMS AND THE SCHOOL DISTRICT IN PROPERTY LISTINGS ARE DEEMED RELIABLE, BUT SHOULD BE VERIFIED BY YOUR OWN ATTORNEY, ARCHITECT OR ZONING EXPERT. PHOTOS SHOWN MAY HAVE BEEN MANIPULATED. EQUAL HOUSING OPPORTUNITY.

NEW WATER VIEW MASTERPIECE

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DOUGLAS ELLIMAN REAL ESTATE IS A PROUD SPONSOR OF THE GOLD COAST INTERNATIONAL FILM FESTIVAL – NOVEMBER 9 -15

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

RIVERDALE

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WESTCHESTER/PUTNAM

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ASPEN

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LOS

ANGELES

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FLORIDA

Sands Point | $3,499,000 Sunlight filters through majestic trees surrounding this classic 5-bedroom farm Colonial on 2.25+ sprawling acres on one of Sands Point’s most beautiful roads. With generously proportioned rooms, this home represents the essence of comfortable living. Built in 1923 as a working farm, vestiges of its original function are still evident. The chicken coop is now used for garden storage; the barn and hayloft are re-purposed as a wonderful family room with fireplace and double-height ceiling. The house showcases magnificent detail with arched doorways, plaster moldings and gleaming wood floors. Every room is light-filled and offers vistas of its exquisite property with in-ground pool, hot tub, cabana, tennis court, tennis house and lush gardens landscaped to provide both privacy and continual bloom. Web# 2794833. Patti Pascullo, O: 516.287.4871; Maggie Keats O: 516.449.7598

NEWLY RENOVATED

Fire Island | $2,488,888 Water Island - Spectacular, 4-bedroom oceanfront and bay-front beach house surrounded by national seashore!

Separate guest cottage/office! Breathtaking views throughout. Web# 2790919. Michele Gottlieb, O: 516.297.4623

BREATHTAKING COUNTRY ESTATE

Mattituck | $2,450,000 On 5 wooded acres surrounded by a vineyard. Superior construction throughout this 5-bedroom, 5.5-bath home. Indoor heated pool, Separate 8-10 car barn Web# 2777554. Tom Uhlinger, O: 631.298.6120, C: 516.319.0323

NEW CONSTRUCTION

COUNTRY CLUB LIVING

STATELY COLONIAL

FOREVER VIEWS ON THE SOUND

Roslyn Heights | $2,295,000 Magnificent 5-bedroom, 4.5-bath Colonial situated on a corner lot. This home presents itself with stately curb appeal as you approach. Intricate moldings, hardwood floors. A must see. Web# *1234152. Maureen Polye, O: 516.582.5646

Garden City | $2,250,000 Original moldings, restored wood floors throughout, magnificent property on prestigious block, 6 bedrooms, 4 baths, 2 sun rooms and a full basement. Web# 2794654.

Roberta Weinberg, C: 516.384.2262; Denice Giacometti C: 516.398.7468; Lisa Duggan, C: 516.680.1780

East Hills | $2,398,000 Spectacular 5,000 sf Colonial with open floor plan, stunning finishes and details. A true entertainers home with spacious family room, large gourmet kitchen.

Web# 2771145. Linda Freedman, O: 516.364.2213

Mattituck | $2,249,000 5,200 sf, 5 bedrooms and 5.5 baths. Entire second floor is the master suite. Living room and den with fireplaces.

Includes separate buildable 1.12 acre lot. Web# 2770633.

Amanda Field, O: 631.298.6169; Scott Bennett O: 631.298.6143

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110 WALT WHITMAN ROAD, HUNTINGTON STATION, NY 11746. 631.549.7401 | © 2015 DOUGLAS ELLIMAN REAL ESTATE. ALL MATERIAL PRESENTED HEREIN IS INTENDED FOR INFORMATION PURPOSES ONLY. WHILE, THIS INFORMATION IS BELIEVED TO BE CORRECT, IT IS REPRESENTED SUBJECT TO ERRORS, OMISSIONS, CHANGES OR WITHDRAWAL WITHOUT NOTICE. ALL PROPERTY INFORMATION, INCLUDING, BUT NOT LIMITED TO SQUARE FOOTAGE, ROOM COUNT, NUMBER OF BEDROOMS AND THE SCHOOL DISTRICT IN PROPERTY LISTINGS ARE DEEMED RELIABLE, BUT SHOULD BE VERIFIED BY YOUR OWN ATTORNEY, ARCHITECT OR ZONING EXPERT. PHOTOS SHOWN MAY HAVE BEEN MANIPULATED. EQUAL HOUSING OPPORTUNITY.

CLASSIC FARM COLONIAL

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

MANHATTAN

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B R O O K LY N

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LONG ISLAND

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THE HAMPTONS

THE NORTH FORK

BROOKVILLE | $1,498,000 | WEB# 2790052

Buy this Georgian Manor for $3,998,000 and get two more buildable acres for $1,298,000. Add a renovated Carriage House for $1,498,000 more. Altogether 9.5 acres and a large slice of Long Island. Your own estate and piece of paradise! Aileen Murstein, O: 516.629.229, C: 516.317.6007

PRISTINE WATERFRONT BEAUTY

PRIME WOODSBURGH LOCATION

STUNNING BRICK COLONIAL

SWAN LAKE

WATERFRONT PARADISE

GLORIOUS SETTING

East Marion | $2,195,000 Perfect beach house with 5 large bedrooms, spacious kitchen, great room, ideal for entertaining with gunite pool and meticulous grounds. Enjoy private stairs to beach.

Web# 2796877. Kristy Naddell, O: 631.298.6183; Tom Uhlinger, O: 631.298.6120

Woodbury | $1,649,000 Spacious 6-bedroom, 6.5-bath Colonial featuring a 2-story entry, sweeping staircase, paneled library, large master bedroom suite and second floor bonus room.

Set on 1.24 acres. Web# 2707105. Patricia Pascullo O: 516.364.2534

Woodmere | $1,999,000 Lush property featuring 6 bedrooms, 5.5 bathrooms, a heated pool and hot tub. Master suite has a sitting room with fireplace, screened patio with a built-in barbeque.

Web# 2796524. Terry Zegans, O: 516.354.6500, C: 516.902.5665

Setauket | $1,550,000 Captivating sunrises and sunsets over the Long Island Sound. Nestled on 1.21 acres in a private setting with 288 feet of waterfront. Sandy beach and permit for dock.

Web# 2771402. Kelley J. Taylor O: 631.549.4400 C: 553.6923

Strathmore Vanderbilt | $1,949,000 Totally renovated, large rooms, 4 bedrooms, 4 baths, finished basement with maids room/bath. Manicured 14,000 square foot lot, SV Country Club. Web# 2785961.

Connie Liappas, O: 516.319.3274

Old Brookville | $1,528,000 Charming 4,116-sf home loaded with original details, large family room updated kitchen, 2.2-acre lot plus 2,500-sf cottage. Web# 2788218. Connie Liappas, O: 516.319.3274; Kristen Vlahopoulos O: 516.672.1577

110 WALT WHITMAN ROAD, HUNTINGTON STATION, NY 11746. 631.549.7401 | © 2015 DOUGLAS ELLIMAN REAL ESTATE. ALL MATERIAL PRESENTED HEREIN IS INTENDED FOR INFORMATION PURPOSES ONLY. WHILE, THIS INFORMATION IS BELIEVED TO BE CORRECT, IT IS REPRESENTED SUBJECT TO ERRORS, OMISSIONS, CHANGES OR WITHDRAWAL WITHOUT NOTICE. ALL PROPERTY INFORMATION, INCLUDING, BUT NOT LIMITED TO SQUARE FOOTAGE, ROOM COUNT, NUMBER OF BEDROOMS AND THE SCHOOL DISTRICT IN PROPERTY LISTINGS ARE DEEMED RELIABLE, BUT SHOULD BE VERIFIED BY YOUR OWN ATTORNEY, ARCHITECT OR ZONING EXPERT. PHOTOS SHOWN MAY HAVE BEEN MANIPULATED. EQUAL HOUSING OPPORTUNITY.

BROOKVILLE | $1,298,000 | WEB# 2790057

|

110 WALT WHITMAN ROAD, HUNTINGTON STATION, NY 11746. 631.549.7401 | © 2015 DOUGLAS ELLIMAN REAL ESTATE. ALL MATERIAL PRESENTED HEREIN IS INTENDED FOR INFORMATION PURPOSES ONLY. WHILE, THIS INFORMATION IS BELIEVED TO BE CORRECT, IT IS REPRESENTED SUBJECT TO ERRORS, OMISSIONS, CHANGES OR WITHDRAWAL WITHOUT NOTICE. ALL PROPERTY INFORMATION, INCLUDING, BUT NOT LIMITED TO SQUARE FOOTAGE, ROOM COUNT, NUMBER OF BEDROOMS AND THE SCHOOL DISTRICT IN PROPERTY LISTINGS ARE DEEMED RELIABLE, BUT SHOULD BE VERIFIED BY YOUR OWN ATTORNEY, ARCHITECT OR ZONING EXPERT. PHOTOS SHOWN MAY HAVE BEEN MANIPULATED. EQUAL HOUSING OPPORTUNITY.

BROOKVILLE | $3,998,000 | WEB# 2756341

QUEENS

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DOUGLAS ELLIMAN REAL ESTATE IS A PROUD SPONSOR OF THE GOLD COAST INTERNATIONAL FILM FESTIVAL – NOVEMBER 9 -15

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

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WESTCHESTER/PUTNAM

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ASPEN

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LOS

ANGELES

|

110 WALT WHITMAN ROAD, HUNTINGTON STATION, NY 11746. 631.549.7401 | © 2015 DOUGLAS ELLIMAN REAL ESTATE. ALL MATERIAL PRESENTED HEREIN IS INTENDED FOR INFORMATION PURPOSES ONLY. WHILE, THIS INFORMATION IS BELIEVED TO BE CORRECT, IT IS REPRESENTED SUBJECT TO ERRORS, OMISSIONS, CHANGES OR WITHDRAWAL WITHOUT NOTICE. ALL PROPERTY INFORMATION, INCLUDING, BUT NOT LIMITED TO SQUARE FOOTAGE, ROOM COUNT, NUMBER OF BEDROOMS AND THE SCHOOL DISTRICT IN PROPERTY LISTINGS ARE DEEMED RELIABLE, BUT SHOULD BE VERIFIED BY YOUR OWN ATTORNEY, ARCHITECT OR ZONING EXPERT. PHOTOS SHOWN MAY HAVE BEEN MANIPULATED. EQUAL HOUSING OPPORTUNITY.

NORTH FORK BEACH HOUSE

TRANQUIL LIVING

COMMERCIAL OPPORTUNITY

COMMUTERS PARADISE!

SPECTACULAR VIEWS

SPECTACULAR WATER VIEWS

SUPERIOR CONSTRUCTION

STERLING PLAZA: GREAT NECK’S PREMIERE CONDOMINIUM DEVELOPMENT

Cutchogue | $1,499,000 In coveted Beachwood on best beach ever, this 4-bedroom home transports you to simpler era of lazy beach days and moonlit bay evenings. Web# 2799344.

Gayle Marriner-Smith, O: 631.298.6132; C: 631.807.7792

Manhasset | $1,249,000 Turnkey 3-bedroom, 2.5-bath Colonial located close to LIRR and town. Features include expansive living room and dining room, eat-in kitchen, sun drenched family room and outdoor living space with pool. Web# 2801006.

Chris Pappas, O: 516.659.6508, C: 516.627.2800

Lake Grove | $925,000 - $950,000 Magnificent custom built Post Modern in an upscale development. Gourmet kitchen, top-of-the-line appliances, surround sound, half acre property.

Web# 2776376. Frank Edwards, Caroline Iberger, C: 631.875.5183

Oyster Bay Cove | $1,399,000 Exceptional interior, high ceilings, 3 fireplaces, 5 bedrooms, striking exterior with covered wraparound porches, pool, spa, 3-car garage, 2.2 acres.

Web# 2796238. Connie Liappas, O: 516.319.3274

Northport | $1,249,000 Waterfront 5-bedroom center hall Colonial. Spacious and open floor plan. Large deck and patio area overlooking Duck Harbor. Private beach and mooring.

Web# 2793707. Lynda Olita, O: 631.549.4400, C: 662.2478

FLORIDA

Southold | $1,305,000 Commercial building, Route 48 exposure, ample parking. Renovated 8,800-sf, 3-story building with loading ramp. Commercial zoning allows for multiple uses. Web# 2785462. Amanda Field, O: 631.298.6169; Scott Bennet, O: 631.298.6143

Nissequogue | $1,075,000 Magnificent Contemporary, water views of Stony Brook Harbor, Long Island Sound beach front access, yacht club. Hardie plank exterior, wrap around second story deck, secluded location. Web# 2786990.

Frank Edwards, C: 631.786.6473

Great Neck | $845,000-$1,450,000 | New to the market, these 2-bedroom, 2.5 bath homes offer top of the line finishes for the discerning purchaser, including Brazilian cherry-wood flooring, chef’s kitchens with stainless steel appliances, maple cabinets and granite counter tops, elegantly appointed marble bathrooms (master has jacuzzi tub with separate stall shower and double sinks) washer/dryer and generous closets. Full-time doorman, dedicated garage parking, gym/community room in building. Simplex and duplex units available with a variety of floor plans.

Web# 2796733. Wendy Sanders, O: 516.498.2119, C: 516.528.3131

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RIVERDALE

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

MANHATTAN | BROOKLYN | QUEENS | LONG ISLAND | THE HAMPTONS | THE NORTH FORK | RIVERDALE | WESTCHESTER/PUTNAM | ASPEN | LOS ANGELES | FLORIDA

LOCATION, LOCATION!

PERFECT LOCATION

YEAR ROUND GETAWAY

RE-INVENT HISTORIC CHARM

TRADITIONAL FAMILY HOME

GREENBELT LOCATION

New Hyde Park | $728,000 Beautiful Colonial with 3 bedrooms, 2 baths, white oak floors, master bedroom with walk-in closet, large family room, 71x131 lot size, 1.5-car garage. Web# *1234137.

Ellen Schaefer, O: 516.746.0440, C: 516.655.6561

Sea Cliff | $549,000 Zoned Residential A, this lovely Victorian has been occupied by a day care facility. Currently, both first and second floors utilize an open concept. Come create your own home! Web# 2780765. Chris Pappas, O: 516.659.6508; Stu Bayer O: 516.375.1005

Roslyn | $624,999 Move right in to this fabulous 2-bedroom, 2 new bathroom condo with stunning hardwood floors, new kitchen with stainless steel appliances and 2-car garage.

Web# 2774676. Patricia Pascullo, O: 516.364.2534

East Patchogue | $495,000 Custom 2005 9-room, 4-bedroom, 3.5-bath Colonial on 1 acre private road, owned solar panels, custom kitchen, hardwood floors, central air, 9-foot ceilings, basement, 2-car garage, custom designed. Web# 2743194.

Joyce Roe, C: 631.758.2552, 631.235.8621

Jamesport | $599,999 Two-bedrooms with master en-suite on main level, 2.5 bathrooms, loft on second level with bedroom and bathroom. Full basement with outside entrance to private patio. Web# 2755638. Roberta Weinberg, C: 516.384.2262; Stephen Flanigan C: 516.491.4365

Woodbury | $460,000 Two-bedrooms, 2.5-bathrooms, eat-in kitchen, living room, den with fireplace, sliders leading out to great Greenbelt location. Web# 2780350. Roberta Weinberg, C: 516.384.2262; Cynthia Crosthwaite C: 516.830-0445

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NASSAU POINT GETAWAY Cutchogue | $929,000 | Expanded 3-bedroom, 2-bath L Ranch on wooded .75 acre with an Adirondack feel. 300 plus feet of waterfront with direct bay access. New kitchen with granite counter tops and stainless steel appliances.

New baths, hard wood floors and scenic water views. Web# 2791186. Kathleen Lloyd, O: 631.333.4048, C: 516.318.4177

110 WALT WHITMAN ROAD, HUNTINGTON STATION, NY 11746. 631.549.7401 | © 2015 DOUGLAS ELLIMAN REAL ESTATE. ALL MATERIAL PRESENTED HEREIN IS INTENDED FOR INFORMATION PURPOSES ONLY. WHILE, THIS INFORMATION IS BELIEVED TO BE CORRECT, IT IS REPRESENTED SUBJECT TO ERRORS, OMISSIONS, CHANGES OR WITHDRAWAL WITHOUT NOTICE. ALL PROPERTY INFORMATION, INCLUDING, BUT NOT LIMITED TO SQUARE FOOTAGE, ROOM COUNT, NUMBER OF BEDROOMS AND THE SCHOOL DISTRICT IN PROPERTY LISTINGS ARE DEEMED RELIABLE, BUT SHOULD BE VERIFIED BY YOUR OWN ATTORNEY, ARCHITECT OR ZONING EXPERT. PHOTOS SHOWN MAY HAVE BEEN MANIPULATED. EQUAL HOUSING OPPORTUNITY.

IMMACULATE SPLIT LEVEL HOME

East Norwich | $765,000 Unique gem in Forest Estates Pool Community. 5 bedrooms, 3 bathrooms, gourmet kitchen with stainless appliances, new Anderson windows, gas heat, central air, 2-car garage, sewers too! Web# 2794416.

Andréa Sorrentino, O: 516.624.9000, C: 516.639.2596

ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

11D

WINTER IS COMING! Winter in New York: freezing temperatures, nor’easter ice & snow storms, naked landscapes, being stuck at home, sitting around waiting for Spring. Paying for it with state income tax & high RE taxes.

Winter in South Florida: soothing warmth, early morning walks on the beach, a round of golf or tennis, biking, enjoying the afternoon at the pool or beach, boating in the deep blue sea, no state income tax, low RE taxes.

Formerly a Long Island R.E. Broker, I now specialize in helping Long Islanders find their perfect fit in a winter vacation home.

Or a place to call home, loving every day of the 4 seasons.

I can provide you with activity & financial info in every community in Boca Raton, Delray, the Palm Beaches & the surrounding areas.

LICENSED REAL ESTATE ASSOCIATE DOUGLAS ELLIMAN REAL ESTATE CELL: 516.526.3226 | OFFICE: 561.245.2635 bjbroder@gmail.com 444 EAST PALMETTO PARK RD, BOCA RATON, FL 33432

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BARBARA BRODER

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

Preparation Is Key When Buying A Home

BY POTEE SALUJA

SPECIALSECTIONS@ANTONMEDIAGROUP.COM

Home ownership is a huge step, and getting ready to buy a home can be daunting.

Since it may be the largest financial transaction most people may ever make, it’s important to do it right.

Armed with the right information and know-how, prospective home buyers can be on the right path for a smooth transaction.

Prep before you start looking • Obtain an accurate credit score.

If need be, strengthen your credit.

A good credit score can save you thousands of dollars over the life of the loan.

• Identify and work with a respectable good faith lender. Take advantage of historically low mortgage rates and the variety of loan packages available, especially for first time home buyers. Once you have been pre-approved for a loan and you know exactly what you can afford, figure out your down payment. Have this ready along with additional funds for hidden costs.

Commence your search • Now you are ready to begin your search. Identify and research the area/ community you want to live in. Learn the prices that are being asked for properties currently on the market for sale as well as what properties have sold for in the last six months to a year. Research schools, recreation, shopping, restaurants and the commute in that area, too.

• Ninety percent of people begin their search online.

That’s a great move, if you set it up as a notification alert. Go out and view homes as they come on the market for sale or you could miss out, particularly in a hot market where demand outstrips supply. It’s important to understand that a property does not always look the same as it does online. The information you get online may tell you only the half of the story that the homeowner wants you to know. The property could look quite different when you actually pull up at the curb.

Information is power • Educate yourself on market value.

This will help you make a right and timely decision as the opportunity presents itself. Micro-trends in an area can also impact local prices. A good example is whether new homes run at a premium to older ones. Location is always important. Find out what makes one location more valuable than another.

• One of the best sources for insider information is

• Speed is important to get you to the finish line. In order to be a front runner, you must have everything in line. Not only do you need a savvy real estate agent and lender, you need an attorney and inspector lined up as well. Timing is everything. You are on your way to owning your dream home only when formal contracts of sale are fully executed. Until then, you are really not protected. Step up to the plate and offer what you are willing to pay.

Be flexible and ready to act quickly

a well-connected and well-informed real estate agent.

Identify a good and experienced real estate professional. Look for someone who is amiable, open, interested, relaxed, confident, well-qualified and has a successful track record. If you are hiring a buyer’s broker, make sure your agent has your best interests at heart. Many people want to work only with the listing agent. Be aware the listing agent already has the seller as a client.

• Once you find your dream home, you may find you have competition.

Attractive terms along with the price are of great importance to a seller.

Fewer contingencies are always more attractive to the seller. Mortgage contingency should only be removed after consulting a lawyer. Be ready to have an inspection of the property done within a day or so of the seller’s acceptance of your price and terms.

• Last but not least, try and accommodate the seller regarding a closing date.

Potee Saluja is a Gold Circle Of Excellence licensed associate broker with Daniel Gale Sotheby’s International Realty’s Port Washington office.

ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

13D

I HAVE A PROBLEM

HERE. AND THAT PROBLEM IS THAT

I DON’T HAVE ANY COMPLAINTS. The everyday stress of maintaining his house was giving Herb Schnipper plenty to grumble about. Now his cares revolve around such things as walking the beach, spending time with family, or what time he’s heading to The Amsterdam’s bistro for lunch.

When Herb moved to The Amsterdam at Harborside, an Independent Living Retirement Community, he immediately took full advantage of the active and rewarding lifestyle. Making new friends, swimming daily, ballroom dancing, traveling the world, and simply enjoying the finer things we have to offer – it was all right here waiting for him. Herb also found a sense of security with life care, knowing he made a smart financial investment for his future right here, in Port Washington on Long Island’s beautiful North Shore.

It’s a lifestyle filled with anything but complaints, and it’s only available at The Amsterdam at Harborside.

Only a few apartments remain!

Call 516-939-8145 to make an appointment today.

300 E. Overlook | Port Washington, NY 11050

Operated by Amsterdam House Continuing Care Retirement Community Inc., a not-for-profit organization.

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AmsterdamLifeCare.com

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

Modera Mineola Filling Up

BY RICH FORESTANO

RFORESTANO@ANTONMEDIAGROUP.COM

Modera Mineola, a 275-unit, $93 million luxury apartment complex on Old Country Road, opened 140 dwellings for move-ins earlier this year.

Developed by Mill Creek Residential Trust, apartments are ready after getting their permit from the Village of Mineola’s building department on July 31.

“We’re 45 percent leased,” Mill Creek Vice President of Development for New York and Connecticut Jamie Stover said, adding that move-ins will “continue in earnest over the next couple of weeks.”

Modera joins its senior housing component Hudson House that opened last summer and holds 36 units.

“They’ve received all requisite reports and inspections from my office and the [Nassau County] fire marshal,” village Building Superintendent Dan Whalen said of Modera. “Of the [140 units], I believe, half of those are rented.”

Modera residents will have access to a state-of-the-art clubroom, including a nine-screen media wall; parlor games, including billiards; a 24-hour club-quality fitness center, featuring top-of-the-line gym equipment and a yoga studio with fitness classes. Other amenities include a business lounge, a pet spa, two outdoor courtyards,

a resort-inspired outdoor pool, an outdoor fireplace, outdoor kitchens with barbecue grills and a bocce ball court.

Stover indicated the entire complex should be ready by the fall.

“It’s going to take a little more time to have all of the apartments ready, but our move-in schedule is accommodating to that,” said Stover.

Rent prices fluctuate with demand daily, Stover says, but as of last week, the rents start at approximately $2,125 per month.

“Rents have been based upon availability and demand in the market,” Stover said.

Stover pointed to the boom in transit-oriented development on Long Island as a reason for the demand in living accommodations around train stations. The Mineola Long Island Rail Road Station is two blocks north of Modera.

“Our successful pre-leasing period has been wildly successful and I think that demonstrates the demand for well-located, transit-oriented development on Long Island,” Stover said.

The Nassau County Industrial Development Agency in 2012 approved payments in lieu of taxes (PILOT) to help finance the development prior to the construction of the building. These tax breaks have been the subject of much contention

between the Mineola Village and School District boards, most recently with the approved 266-unit Village Green at 199 2nd St. by New Hyde Park-based Lalezarian Developers.

The school district argued that PILOTs strap school districts during budget season since PILOT revenue cannot count towards the tax base growth factor, stopping the district from raising the tax levy. The district contends that multiple apartment buildings could lead to student influx, further strapping district finances. This led to the school board hiring Wantagh-based Educational Legacy Planning to project student forecasts from proposed apartment developments.

“We’re not complaining about the PILOTs that were already given,” School District Superintendent Michael Nagler said recently. “I’ve said publicly and to [the village board], what’s done is done. I don’t have a problem with the [Modera and Hudson House] PILOTs. The [Village Green] building is what we’re asking about.”

According to the IDA, $68,621.38 in lieu of taxes is due next year, increasing to $120,328 due in 2034.

PILOTs for Hudson in 2015 and 2034 are $12,471.76 and $21,869.30, respectively.

“Without this project the empty buildings and land on these sites

would have been blights,” IDA Executive Director Joseph Kearney said at the time of the approval.

Polimeni International LLC originally planned Modera and Hudson House, but sold the developmental rights to Mill Creek in 2012 after prolonged subdivision squabbles with the Village of Garden City over condominium possibilities.

Polimeni changed the condo configuration to rentals but noted at past Mineola Village Board meetings that it was due to the current economic climate.

“We congratulate Mill Creek on the successful completion of Modera Mineola,” Mayor Scott Strauss said.

“We welcome all our new neighbors to the Mineola community. I know that [Modera] will find our village to be a warm and embracing community. [Modera] will play a special role in making our downtown one of the most vibrant and exciting places on Long Island.”

The ongoing issues Polimeni had with Garden City until Modera was officially changed from condominiums to rentals were deliberated in letters, board meetings, phone calls, voicemails and emails with a waning economy in its wake at the time.

“It’s been a long haul, with a lot of cooperating parties, and we’re thrilled we’ve started to move residents into the building,” Stover said.

15D

Š2015 California Closet Company, Inc. All rights reserved.

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

Local Expertise • Global Reach • Our Man

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

Manhasset and Port Washington Experts

88

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an 5

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e 21

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an 69

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n 88

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ese 78

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g 2

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Manhasset Office ∙ 516.627.4440 ∙ 364 Plandome Road, Manhasset, NY Port Washington Office ∙ 516.883.2900 ∙ 350 Main Street, Port Washington, NY Andrew Wu c.516.707.7299

Each office is independently owned and operated. We are pledged to provide equal opportunity for housing to any prospective customer or client, without regard to race, color, religion, sex, handicap, familial status or national origin.

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

HOME PORTRAITS:

Featuring Artist Elaine Karton

BY LULU COHEN

SPECIALSECTIONS@ANTONMEDIAGROUP.COM

At Trapani Art and Frame in Manhasset, owner Al Trapani has reported a surge in the market for home portraits. He’s currently working with many local artists who specialize in landscape and home portrait painting.

The one-of-a-kind works of art are poignant takes on family oriented nostalgia. House portraiture is a long tradition, especially if the home is passed down to children. These creative inspirations are being commissioned by many passionate homeowners with the hopes of stopping time in order to capture a look that represents a good life.

Longtime Glen Head resident Shirley Jacobs is able to look back at her home portrait (which was done in 1987) whenever her heart requires. The colorful “true to life” rendering hangs proudly in her foyer next to a large antique grandfather clock. Jacobs said, “A painting is so much better than a picture that you just snap. It cleverly illustrates the deep love of your home and what it meant to your life and your family. We love our house and wanted to capture something that we felt was a huge part of our existence that we enjoyed so much. If we had to move,

we would have a beautiful painting that we could look at and that would always be in our possession.”

Local artist Elaine Karton has been creating home portraits since she was a teenager. She explained that she was lucky to have an art teacher who inspired her to follow her passion. Karton owned a framing gallery in NYC for many years but currently her artwork is on display at Trapani Art and Frame.

The most recent home portrait she was commissioned to do was of a garden in Manhasset. After 40 years at their house, the owners were moving. Karton said, “The homeowner was very specific and just wanted me to paint their back garden, where the family spent most of their time. She had an unusual request and wanted me to include six cats in the picture. Most of the cats were no longer living so she gave me snapshots and told me about their traits. One cat loved the fountain and another would sit on the ledge.”

Today, people are staying in their homes longer, perhaps due to the economy, and

psychological attachments are strong after years of memories. Karton added, “It can feel like a loss if you’re moving; having a charming painting of your home can be a wonderful memento of memories, holidays, daily living and raising a family.”

Karton also specializes in primitive art, folk art and abstract, with a folk twist. Her original artwork is forever and can hold special meaning. She remarked, “To be able to play with the element of time has special meaning to me as an artist. For the homeowner to be able to go back in time, I feel, is what helps makes the home portrait so iconic.”

Yellow Ribbon House by Karton rton

Gable House by Ka

ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

Manhasset backyard with six cats by Karton

English Style Garden by Karton

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20D

ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

21D

Bay Shore

Garden City

Own a piece of history. Former Entenmann estate, set on a private 1.76 acre peninsula with 900-feet of waterfront. The residence offers stunning views, luxurious living space, grand entertaining areas and a separate guest house and protected docking.

Offered at $4,999,999 Amy & Mark Donnelly 631-587-1700

Newly built in 2010, this 3-story center hall colonial was designed with a focus on casual elegance. No expense was spared and the results are stunning! The beautiful interior is complimented by the picture perfect grounds.

Offered at $2,399,000 Mary Weille & Cheryl McAuliffe 516-746-5511

Upper Brookville

East Williston

This exquisite and masterfully redone ranch is set on a private 2.81-acre parcel. The open floorplan features well defined rooms, showcasing the finest craftsmanship and filled with sunlight.

Offered at $1,699,000 Mary Weille & Cheryl McAuliffe 516-746-5511

Set on a large property, this center hall colonial boasts a grand 2-story entry foyer, 5 bedrooms, 4 baths, formal rooms and casual living space. Built in 2009, with 9-foor ceilings, 14-zone radiant heat and a finished basement.

Offered at $1,425,000 Christy Lavelle 516-248-9494

Glen Cove

Massapequa

This Mediterranean villa inspired home offers 6,500sf of living space. Built in 2013, the home contains 10-foot ceilings, imported Italian flooring with radiant heat, a dual bridal staircase and entry foyer, geothermal cooling and heating, and so much more!

Offered at $3,499,000 Richard Raspantini 516-627-0120

The perfect opportunity for boaters! Located in a cul-de-sac, this 3 bedroom, 2 full bath split level home has a 1-car garage, hardwood floors throughout and deck overlooking the water. School district #23.

Offered at $429,000 Sandra Asip 516-536-8100

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22D

ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

Cost-Conscious Home Upgrades For Fall

BY JENNIFER MILLET

SPECIALSECTIONS@ANTONMEDIAGROUP.COM

If you’re looking for ways to improve your home but don’t have the budget for a full-scale renovation, look at upgrades that add instant value with a smaller investment.

Projects that enhance existing features or add new functions to the home are smart ways to spruce up the aesthetics and improve livability without breaking the bank. In between extreme weather seasons is the perfect time to tackle home improvement projects, so this fall consider some small-scale projects that can make a big impact on your home.

Revitalize Worn Woodwork Nothing ages a home’s appearance faster than tired, weathered woodwork on the front porch or back deck. These structures are typically major focal points of a home’s exterior, so sprucing them up can go a long way toward transforming the overall aesthetic. A fresh coat of stain or paint is a minimal investment to bring fresh life back into your entryway or backyard living space.

Pull Out A New Kitchen Look If changing out the cabinets isn’t an option, you can still create a new look with a minimal investment. Wipe down cabinets thoroughly and apply a coat of paint to make them look their very best, then look for subtle changes that bring a wow factor, such as new hardware. Simply changing outdated pulls for a more contemporary look in a new color can bring a new mood to the room. Clear away clutter and add some fresh accessories for a whole new look.

Punch Up The Power Adding function can be as valuable as aesthetics when it comes to enjoying your home to the fullest. When bad weather or other factors interrupt your power supply, a standby generator lets you run appliances such as air conditioners, heaters, refrigerators, clothes washers/dryers, lights and electronics, minimizing the inconvenience of a power outage. For extended outages, a generator can even save money, preventing unexpected costs from spoiled food or hotel stays. Hooked up to a home’s existing propane or natural gas line, a standby generator system, oftentimes called a home generator, switches on by itself when power fails. Models such as Briggs & Stratton’s (www.powernow. com) standby generator provide whole-house power in a small footprint that maintains curb appeal. Plus, the price point of standby generator systems is continuing to drop.

drab, it may be time to explore alternatives. Replacing heavily worn carpet in high traffic areas with a more durable option such as wood or tile may not only improve the look, but also prove a smart investment as it wears better in the future. If you still enjoy the look of your tile, consider removing and replacing the grout, then sealing it to protect the finish. Don’t feel beholden to the original color; a new shade can introduce a whole new color dimension to the room.

Making updates to your home is a natural part of ownership and a good way to protect and grow your investment. Fortunately, making a big difference doesn’t always have to come with a big price tag attached.

Look At New Lighting The lighting in a room has a significant impact on its overall feel: a bright, airy room exudes energy while a dimmer, soft illumination evokes a cozy impression. Changing up the lighting can completely transform a space. Use window treatments such as drapes and blinds to control natural light and lend a stylish addition to the room. Floor and table lamps are ideal for more subtle task lighting, while overhead fixtures can make a stronger statement.

Explore A New Floor Over time, the rich pile of new carpeting loses its inviting spring, and once-sharp grout lines fade and crumble. If a thorough cleaning still leaves your flooring looking

Adding function, such as a generator, to your home can be just as important as aesthetic improvements.

This Briggs & Stratton standby generator is available at Walmart.

23D

ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

Plan Ahead To Save

A fresh coat of stain or paint is a minimal investment to bring fresh life back into your entryway or backyard living space.

Subtle changes, such as a coat of paint or new hardware, can give your kitchen a fresh, new look and feel.

Replacing carpet with a more durable option, such as this David Hicks wool area rug, can add a new dimension to any room.

Before embarking on a home improvement project, there are several steps a homeowner can take to manage the time and expense while making the effort run more smoothly: • Regardless of the type of project you’re planning, research the possibilities before you get started.

From comparing prices to evaluating styles and features, knowing all your available options will help ensure you make right choices for your needs.

• When evaluating appliances or equipment, pay attention to variables that may affect the overall project cost. For example, installing a generator with a power management system can help meet your home’s backup power requirements with a smaller, more affordable generator. This can potentially knock hundreds if not thousands of dollars off a generator purchase with a little research ahead of time to find the right-size generator needed for a home. An online calculator tool at www.powernow.com can help match homeowners with the best generator for their individual needs.

• Determine a budget, and stick to it. Be realistic and remember that a little more investment upfront may buy quality that will save money on repairs and replacements down the road. Another good rule of thumb: add at least 10 percent buffer to help cover unexpected expenses.

• Assess whether the project is something you can tackle on your own, and whether time or ability may impede your progress. If you need to enlist help, gather estimates and check references for at least three contractors.

• Set expectations for yourself and your family about how long the project will take. If you’re working with a contractor, get a time projection in writing, as well as a written agreement about what happens if the project runs past deadline.

24D

ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

917 Port Washington Blvd Port Washington (516) 944-7171 www.accentsonrealestate.com 124 Plandome Road Manhasset (516) 627-9360

Buying or Selling?

Karen Morrison K M i

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25D

ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

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Real Living Real Estate is a network brand of HSF Affiliates LLC, which is majority owned by HomeServices of America, Inc. ™, a Berkshire Hathaway affiliate

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www.accentsonrealestate.com

26D

ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

Transitioning To The Next Phase Of Living

BY HOLLY RUSCHE

SPECIALSECTIONS@ANTONMEDIAGROUP.COM

Knowing when it’s time to move yourself or a loved one to a smaller or more accessible home, or even an assisted living center, can be tough. There are some signs that can help aid you in identifying when the time is right.

Factors such as age, health and living situation can be signals that it’s time to look for other living arrangements. For example, if your parents are over 70 years old and their house is more than 20 years old, there’s a good chance they struggle every day just to maintain their home.

For 81-year-old Ned Kraft, he knew the time was right to consider living elsewhere after suffering a broken leg in a fall. Living in a two-story home with his wife was no longer an option and Kraft felt an urgent need to move into something smaller and without stairs to be able to manage his family’s lifestyle and overall well-being. With simple upkeep and maintenance becoming difficult and close relatives and grandchildren nearby, living in a safer home environment became the top priority.

If you or a family member end up needing to sell your house quickly and get into a more suitable living situation, here are a few steps to help with transitioning:

Determine How Much Space You Truly Need Maybe that two-story, four-bedroom home with a spacious backyard you bought when the kids were little is more than you need now. Smaller homes and apartments are easier to maintain, and taking into account your lifestyle can help determine what to look for in your next home.

If you’re home a majority of the day or expect to have gatherings and guests often, you may want something a bit bigger. If your health is a concern or you’d rather not have to worry about tasks such as yard work or snow removal, something smaller or without stairs, such as a first floor apartment, may be more your speed.

Sell Your Current Home Working with professional home buyers, such as HomeVestors (www.homevestors.com), the largest home buyer in the U.S. with more than 60,000 houses bought since 1996, can get you cash quickly while also taking care of closing costs and needed repairs without the burden of showing your home to potential buyers. This would save time and money for the seller and help one move sooner than later into their new living environment.

“I just wanted to sell it as quick as I could and

move right away,” Kraft said. “I liked the idea of HomeVestors giving me a fair price for the house and then taking over the overwhelming amount of responsibilities, so I didn’t have to worry about cleaning it or fixing it up.”

Take It Or Leave It Taking inventory of everything that’s been accumulated over decades and deciding what to keep, what to pass down, what to put in storage and what to sell, donate or throw away can be tough.

Once you’ve determined what to do with all of those possessions, the professionals can aid in the transition by discarding the things you no longer need or want after you move.

—Holly Rusche writes for Family Features

ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

BY JASON ALDERMAN

SPECIALSECTIONS@ANTONMEDIAGROUP.COM

Over the last decade, reverse mortgages have been marketed as an easy way for seniors to cash in their home equity to pay for living expenses. However, many have learned that improper use of the product—such as pulling all their cash out at one time to pay bills—has led to significant financial problems later, including foreclosure.

In actuality, there are some cases where reverse mortgages can be helpful to borrowers. However, it is imperative to do extensive research on these products before you sign.

Reverse mortgages are special kinds of home loans that let borrowers convert some of their home equity into cash. They come in three varieties: single-purpose reverse mortgages, Home Equity Conversion Mortgages (HECMs) and proprietary reverse mortgages.

Who can apply? Homeowners can apply for a reverse mortgage if they are at least 62 years old, own their home outright or have a low mortgage balance that can be paid off with the proceeds of the reverse loan.

Qualifying homeowners also must have no delinquent federal debt, the financial resources to pay for upkeep, taxes and insurance and live in the home during the life of the loan.

Consider the following pros and cons as a starting point for trying or bypassing this loan choice. Even though HECM loans require a discussion with a loan counselor, you should bring in your own financial, tax or estate advisor to help you decide whether you have a safe and appropriate use for this product.

Pros Of Reverse Mortgages

• They’re a source of cash. Borrowers can select that the amount of the loan be payable in a lump sum or regular payments.

• Proceeds are generally tax-free. Final tax treatment may rely on a variety of

personal factors, so check with a tax professional.

• Generally, they don’t impact Social Security or Medicare payments.

Again, important to check personal circumstances.

• You won’t owe more than the home is worth. Most reverse mortgages have a “nonrecourse” clause, which prevents you or your estate from owing more than the value of your home when the loan becomes due and the home is sold.

• Reverse mortgages may be a smarter borrowing option for some downsizing seniors. With proper advice, some borrowers use them to buy new homes.

Cons Of Reverse Mortgages

• You may outlive your equity. Reverse mortgages are viewed as a “last-resort” loan option and certainly not a singular solution to spending problems.

• You and your heirs won’t get to keep your house unless you repay the loan.

If your children hope to inherit your home outright, try to find some other funding solution (family loans, other conventional loan products) first.

• Fees can be more expensive than conventional loans. Reverse mortgage lenders typically charge an origination fee and higher closing costs than conventional loans. This adds up to several percentage points of your home’s value.

• Many reverse mortgages are adjustable rate products. Adjustable rates affect the cost of the loan over time.

• If you have to move out for any reason, your loan becomes due. If you have to suddenly move into a nursing home or assisted-living facility, the loan becomes due after you’ve left your home for a continuous year.

Bottom line: Reverse mortgages have become a popular, if controversial, loan option for senior homeowners. For some, they may be a good fit, but all applicants should get qualified financial advice before they apply.

Jason Alderman directs Visa’s financial education programs.

Published by Anton Media Group

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

Before You Post Your Home’s For Sale Sign

BY NATHANIEL SILLIN

SPECIALSECTIONS@ANTONMEDIAGROUP.COM

As the economy improves, today’s sellers are facing a very different environment than they were before the housing market stumbled in 2006.

Today’s housing market features new procedures and standards, not the least of which are continuing borrowing hurdles for prospective buyers. If you are thinking about a home sale in the coming months, it pays to do a thorough overview of your personal finances and local real estate environment before you put up the “for sale” sign.

Here are some general issues to consider:

Make Sure You’re Not Underwater You may want to buy a new home, but can you afford to sell? The term “underwater” refers to the amount of money a seller owes on a house in excess of final sales proceeds. If what you owe on the home—including all selling costs due at closing—exceeds the agreed-upon sale price, then you will have to pay the difference out of pocket.

If you’re not in a situation where you absolutely have to sell now, you may want to wait until your financial circumstances and the real estate market improves.

Evaluate Your Finances Before you sell, make sure you are ready to buy or rent. Making sure all three of your credit reports (www.annualcreditreport.com/index.action) are accurate is an important part of that process.

Consider “For Sale By Owner” Versus “For Sale By Broker” “For Sale by Owner” (FSBO) signs were a common sight in many neighborhoods during the housing crisis. Shrunken home values convinced many sellers to sell their property themselves rather than pay five to six percent of profit in broker commission. However, consider what a licensed real estate broker could accomplish in your specific situation. Many experienced brokers have market knowledge and negotiating skills that could potentially get a better price for your property. Deciding which route to take shouldn’t be an overnight decision. Check leading FSBO and broker sites and talk with knowledgeable friends, attorneys and real estate professionals to learn as much as you can.

Think Twice Before Spending On Improvements Not every home construction project pays

off at sale time. Remodeling magazine’s annual Cost vs. Value Report (www.remodeling. hw.net/cost-vs-value/2015/) tracks both pricing and cost recovery for leading remodeling projects. Before fixing up a bathroom, kitchen or any other area of your home, research whether the work will actually pay for itself at sale. For many sellers, it might be advantageous to hire a licensed home inspector to identify any structural, mechanical or major appliance repair issues that could delay or compromise a sale.

Don’t Forget Moving Costs According to the American Moving and Storage Association, a leading industry trade group, the average professional interstate move of 1,220 miles costs an average of $5,630; in state, the average moving cost is $1,170. After all the costs involved in selling a home, don’t forget how much it costs to relocate.

Bottom line: Selling your home requires planning. Before putting it on the market, get solid, qualified advice on how to sell smart in a still-recovering housing market.

Nathaniel Sillin directs Visa’s financial education programs.

ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

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ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

How to get buyers in the front door

BY ROBERT SILVERMAN

SPECIALSECTIONS@ANTONMEDIAGROUP.COM

Looking to sell your home? Then improve its curb appeal. That’s the advice of realtors who say that many home buyers won’t even get out of their cars unless they like the way the house looks from the street.

“Today, buyers can be choosy. Overgrown bushes, peeling paint or faded shutters are enough to stop some people from even getting out of the car,” said Joanne Meredith-Nolan, real estate sales agent with Laffey Fine Homes.

How do you make sure that your home isn’t passed by? According to Fypon (www.fypon. com), a polyurethane manufacturer, the three c’s of curb appeal are clean, clutter-free and colorful. Experts say that to achieve those goals it’s helpful to take a “top down” approach.

Start With The Roof Is it in good shape, clean and colorful? Does it complement the style of your home? If a new roof is in your future, consider a polymer slate or shake roofing product. Typically offered in

Curb Appeal Is Key 50 standard colors and a multitude of color blends, these hardworking roofs are impact- and fire-resistant and are usually backed by a lifetime limited warranty.

Working your way down the home, make sure the siding, shutters and trim are in very good shape, making these upgrades before putting your house on the market.

“No buyer wants to look at a home and think that the first thing he or she will have to do is paint, or replace rotting wood trim,” said Meredith-Nolan. “Lowmaintenance products like vinyl or fiber cement siding and polyurethane trim pieces look great and have salability that can be passed on to buyers who don’t want the hassles of long-term maintenance.”

Other improvements to consider for beauty and functionality include vinyl

windows and an updated porch balustrade system, which can offer clean lines and make a property really seem to pop.

For a clean, clutter-free exterior, power wash the driveway and walkways, trim back overgrown shrubbery and put away the yard art. Add pops of color around the outside, like new shutters, a fresh coat of paint on the front door and flowers in pots and window boxes.

Consider a fiberglass door to improve the look and energy efficiency of your front entry. Brands like Therma-Tru offer woodgrain and paintable options, as well as attractive accessories like decorative glass doorlites and sidelites that can boost curb appeal and increase light in your foyer.

ANTON REAL ESTATE GUIDE • OCTOBER 21 - 27, 2015

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